Is SBI CLERK EXAM a tough exam than IBPS CLERK?

Bank exams are generally has a higher difficulty level than any other exams as it requires presence of mind and proficiency in the topics studied. Every section has typical questions based on aptitude and knowledge. IBPS and SBI are such examining bodies that conduct clerical and officer level exams to appoint staff for nationalized banks. IBPS CLERK and SBI CLERK are most sought exams in the banking sector by aspirants.

Clerk is a person who handles most of the customers and holds a prominent place in the BANK. In other words he is termed as SINGLE WINDOW OPERATOR. His duties includes Clerk, Data entry Clerk, Office Clerk, Commercial Clerk, Exchange clerks, Interest clerks, Statement clerks, Loan clerks, Security clerks, etc.

Our country has millions of aspirants applying for clerical banking jobs in various public sector banks through IBPS. On the other hand, SBI conducts a separate exam for the post of clerks in their banks. 

Difference between IBPS Clerk and SBI Clerk

Bank clerk is a yardstick for millions of graduates to enter the most prestigious sectors of the economy. Candidates are generally confused while deciding between IBPS Clerk and SBI Clerk. Let us have some detailed and relative scrutiny of the two clerical exams in terms of their Job Profile, salary, responsibilities and duties, career growth, work pressure and perks to make the choice easy for them.

Essential qualification

The educational qualification required for both the exams are same, besides IBPS Clerk Jammu exams which requires an additional knowledge of computers.

IBPS Clerk

An applicant should be a graduate in any of the discipline with an additional knowledge of computers. He or she should possess a certificate in computer operations or should have studied computers as one of his main subjects in high school. 

SBI Clerk

SBI CLERK applicant should be a Graduate in any discipline or should have any corresponding qualification.

Selection process

The selection process of IBPS Clerk is given below:

1. Common Written Exam – Prelims & Mains
2. Document Verification

 The selection process of SBI Clerk is mentioned below:

1. Common Written Exam – Prelims & Mains
2. Interview
3.  Descriptive Test of official or local language
4. Final process of Selection

Duties and Responsibilities

 The duties and responsibilities of both IBPS and SBI Clerk are almost the same. These are allocated as given below:

1. To hold deposit and withdrawal cash.

2.  To take on the receipt of cheques, drafts, dividend warrants, and pay orders.

3. To execute Payment clearance works like verifying cheques, issue demand drafts, etc.

4.  To maintain a daily evidence of balance.

5.  To perform office works like receipts collection, ledger maintenance, balance tally, data entry, issue ESI stamps, typing other necessary bank information served to the customers, etc.

6.  To issue cheque books after authentication of clients.

Salary structure

The salary structure for IBPS CLERK AND SBI CLERK is same. It is given below for your reference:

Rs. 11765 – (655×3) – 13730 – (815×3) – 16175 – (980×4) – 20095 – (1145×7) – 28110 – (2120×1) – 30230 – (1310×1) – 31540.

The total initial pay for IBPS Clerk is around 18,100 to 19,800. On the other hand, SBI Bank Clerks get 2000 extra; therefore his total initial pay is 20,100 to 21,800.

The increment scale is offered subsequently.

Additoanl Perks

IBPS Clerk and SBI Clerk enjoy additional perks which are as follows:

Dearness allowance

The DA is 39.4% of the basic pay (11,765) and is modified quarterly.

Special allowance

7.75%

HRA

Based on the relocation, HRA can be 10% or 9% or 7.5%.

Work pressure

SBI Clerks have to put up with more work tension than IBPS Clerk. It is because they are owed time oriented tasks and responsibilities. For both the clerks, the working hours are unyielding. On a daily basis, SBI Clerk is dispensed more work and it exaggerates with time. Their work is more serious and arduous than IBPS Clerk tasks.

Nature of Posting

IBPS Clerk

The most of the Public Sector Banks have less significant number of branches nationwide when evaluated against SBI; the probability of getting posted to branches nearer to home town is less for IBPS Clerk.

SBI Clerk

In India, SBI is the biggest banking organization and its number of branches and size is growing at fast pace. In last few years, it has grown in every nook and corner of the country and so there is demand of lot of potential personnel’s in these branches. As the growth of SBI is sporadic and rapid, there is huge probability of requirements of large numbers of clerks in these branches. So, in Indian job market, the post of SBI Clerk is one of the most sought and lucrative job offers, which is dreamed by millions of aspirants.

Career growth

IBPS Clerk

IBPS Clerks can be promoted to Officer Cadre in a time span of 3 to 4 years. They can be promoted to Senior Management post in 20 to 25 years of service.

SBI Clerk

SBI Clerk can be promoted to Trainee Officer in a time span of 3 to 4 years of service. The status of Trainee Officer is equivalent to post of Probationary Officer. Due to advanced banking technical know-how, coverage and facilities, SBI provide more exposure to bank activities to their clerks than other PSB’s.

To wrap up, we can conclude that IBPS Clerk jobs are for those aspirants who desires for a decent salary, job security and limited work pressure. On contrary, the job of SBI Clerk is for the aspirants who desires for challenging job and can handle heavy work pressure and dreams to earn generous salary packages with good perks and promotion chances.  

In case you are located nearby Jammu and preparing for IBPS CLERK or any of the bank exams then IBT JAMMU is an ideal coaching institute to give you apt guidance for the exams.

All the Best!!!

Above content is Written by team of IBT INDIA

branch IBT JAMMU, INDIA